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Published by Yahoo! Philippines – October 18, 2017
A Conde Nast Traveler survey that asked some of the world’s most affluent and worldly globetrotters to name their favorite cities has crowned Tokyo the world’s best city of 2017.
While some cities can leave their visitors disheartened, deceived and heavy with disappointment, others leave their visitors inspired and exhilarated — consistently.
In the 2017 edition of CN Traveler’s Readers’ Choice Awards, the city that never disappoints is Tokyo, where neon-lit skyscrapers co-exist with temples, shrines and ancient forests.
With more Michelin stars than any other destination in the world, Tokyo is also a food lover’s paradise.
Just ask Anthony Bourdain, host of CNN’s “Parts Unknown,” who has circumnavigated the globe over the years and has repeatedly cited Tokyo as one of his all-time favorite cities.
It’s been a banner week for the Japanese capital, as an Economist report from their Intelligence Unit likewise named Tokyo the world’s safest city for 2017.
Meanwhile, after Tokyo, Vienna, Austria and Kyoto, Japan round out the CN Traveler podium.
Overall, the list of best cities in the world is dominated by Europe, which take up six of the top 10 spots.
While the US is conspicuously absent, Vancouver is the highest-ranked North America at No. 8.
More than 300,000 readers cast their votes in categories like the best hotels, resorts, cruise lines, islands and airlines.
Here are some of the winners:
Top Island in the World: Boracay, Philippines
Best Cities in the World
1. Tokyo, Japan
2. Vienna, Austria
3. Kyoto, Japan
4. Barcelona, Spain
5. Paris, France
6. Sydney, Australia
7. Madrid, Spain
8. Vancouver, B.C., Canada
9. Rome, Italy
10. Munich, Germany
Top Large and Small US Cities: Chicago for the first time ever and Charleston, S.C., for the seventh year in a row
Top Hotel in the US: Faena Hotel Miami Beach
Top Hotel in Europe: La Reserve Paris Hotel and Spa
Top Hotel in South America: Fasano, Sao Paulo
Top Airline in the World: Air New Zealand
Top U.S. Airline: Virgin America
Top Airport in the World: Singapore (SIN)
Top Large Cruise Line: Disney Cruise Line
Top Midsize Cruise Line: Crystal Cruises
Top Small Cruise Line: Seabourn Cruise Line
Top River Cruise Line: Viking River Cruises
Published by Khatrina Bonagua | FHM Philippines – October 11, 2017
Admit it: the “Active minutes ago” Facebook feature is annoying AF.
Sometimes, you just want to lurk on the News Feed and not announce to the world that you’re online. The fastest solution is to just go permanently offline on your Facebook Messenger, but really, this option can be a little inaccurate at times. Your contacts might be getting the impression you are online and ignoring them, when actually, you’re not.
If you wish to really hide your online state and keep your “last active” time from appearing to your contact list, here are some things that you can do.
Deactivate the “If I’m online” option on desktop
1) Open your Facebook account through desktop.
2) Go to “Settings” tab.
3) Select “Apps” tab.
4) Select the “Edit” option for “Apps Others Use.”
5) Uncheck the “If I’m online” option.
Deactivate the “Active” option on mobile
1) Open the Messenger App on mobile.
2) Go to the “People” tab.
3) Select “Active” tab.
4) Disable the toggle button next to your name.
Deactivate the “Facebook chat” option on mobile
1) Open your Facebook account on mobile.
2) Go to “App Settings”tab.
3) Disable the toggle button next to “Facebook chat.”
Deactivate the “If I’m online” option on mobile
1) Open your Facebook account on mobile.
2) Go to “Account Settings” tab.
3) Select “Apps” tab.
4) Click “Apps other use” tab.
5) Uncheck the “If I’m online” option.
Sourced SolVibrations | Guest Writer | December 6th 2014
If you are like many webmasters, you might think about advertising your website on social media profiles or with paid advertisements. Although both of these options can help you get the traffic that you want, you should also understand the importance of search engine optimization. By understanding why SEO is important, you can understand why it is something that you should do for your website.
To keep traffic coming in with paid advertisements, you have to pay for them on a regular basis. If you quit paying for them, chances are good that your traffic will go way down. With search engine optimization, however, you can enjoy a lot of traffic for free.
Search Engines are Immensely Popular
Nowadays, many people use popular search engines when seeking information about a business, products and services that might be available and information that they are interested in. If people can’t find your site easily through search engines, chances are good that they will go to another site for the products, services or information that they are interested in. Since search engines are so wildly popular with such a large audience, taking advantage of this popularity can really help you succeed.
You Can Get Help
If the idea of tackling a search engine optimization campaign on your own is enough to make you go crazy, you shouldn’t worry or give up on the idea of promoting your site on search engines. Instead, you can consider checking neueseomarketing.ca for help with SEO services. These companies generally don’t charge a lot for their services, but you might be surprised by the many benefits that you can enjoy after hiring one of these sites.
You Can Do it Yourself
If you don’t want to hire a professional SEO company, you can consider doing it yourself. Although it might take a while to learn the ropes, knowing how to optimize your own site can help you in the future and can help guarantee that you continue to bring in traffic.
The important thing to realize is that search engine optimization really does work. Although some people worry that it will be dead in a few years, this isn’t something that you should be worried about. As long as you can keep up with the changes and times in the search engine world, you can continue to see results well into the future. Since search engine optimization can work so well, it is definitely something that you should work on; otherwise, you could be missing out on a ton of traffic.
Many people don’t understand search engine optimization, but it is an essential thing to learn about if you are a website owner. By taking the time to learn more about SEO, you can make serious changes for your website and can bring in more traffic than you probably ever imagined, and you can enjoy benefits that you can’t really get from other forms of advertising, such as paying for pay-per-click or pay-per-view ads. Therefore, if you haven’t started an SEO campaign for your site yet, it is definitely something that you should consider in the near future; you might be surprised by all of the traffic that you can bring in if you do.
Sourced SolVibrations | Betty Elizabeth | March 24th 2015
SEO is the very important part of digital marketing. We cannot imagine digital marketing without SEO. It’s the only technique to gain maximum attention of customers for any product and services. Cost and time required for marketing in SEO is very less when compared to traditional marketing techniques. Online marketing is becoming so popular for people to purchase the gadgets or services. It’s became very important for every business to optimize their website and it can only done by SEO.
SEO is the strategy used by every business to gain a top position in search engine results. Search engines will place the website at the top position if that website has enough traffic, and if it provides people information they actually want. If we enter any query in the search engine it will give you relevant results at the first page. If we didn’t get the result at the top position, then we will try up to two pages to get that information. Because of Google updates we can be able to find relevant information in the first page itself. Google launching new updates to help online visitors to find their result at first page instead of some irrelevant information. If you enter the correct query in the search engine, you will definitely get your information at first page only.
There are many elements which we have to consider in SEO like keyword density, Meta tag titles, inbound and outbound links, content writing and many more. Because of updates it’s become very important to have quality content which will be informative, unique and should not be short. Writing content is not the main area to focus on, but should grab the sufficient audience to the website; otherwise, it’s of no use. Visitors become customers because you have good content on your website. In SEO, content plays a very vital role for promoting your business through social media. Many SEO services companies are following the same technique to optimize their website.
Another important area in SEO is keyword density – many content writers use too many keywords in the content, and it shows you’re writing content for promotion, so avoid using too many keywords and don’t add so many repetitive words in the content, as It will affect the quality of your content.
Inbound linking is the other area where SEO has to be focused. Inbound links are our links which we are placing on another’s website. Google will consider those links because we are placing our links in other websites. If traffic of that website is more, then it could be an advantage to our website because visitors may open our link and in this way you can get traffic to your websites.
Planning of titles also are important. If your content doesn’t match with the title, then your content will be considered as spam. The structure of your Url should not be lengthy and try to include keywords in your Url structures. Professional SEO companies will do the same for optimizing websites.
From the above mentioned information, it is clear how important SEO is in digital marketing.
Sourced Joseph Hindy | April 1st 2015
1. Use the tabs
The first tip is to use the tabs in Google search. On the top of every search are a number of tabs. Usually you’ll see Web, Image, News, and More. Using these tabs, you can help define what kind of search you need to do. If you need images, use the Image tab. If you are looking for a recent news article, use the News tab. It’s rudimentary and most people use the tabs already. If you are not, then it’s highly recommended to get associated with them. They can cut search times dramatically if utilized properly.
2. Use quotes
When searching for something specific, try using quotes to minimize the guesswork for Google search. When you put your search parameters in quotes, it tells the search engine to search for the whole phrase. For instance, if you search for Puppy Dog Sweaters, the engine will search for content that contains those three words in any order. However, if you search “Puppy Dog Sweaters”, it will search for that phrase exactly as you typed it. This can help locate specific information that may be buried under other content if not sorted out correctly.
3. Use a hyphen to exclude words
Sometimes you may find yourself searching for a word with an ambiguous meaning. An example is Mustang. When you Google search for Mustang, you may get results for both the car made by Ford or the horse. If you want to cut one out, use the hyphen to tell the engine to ignore content with one of the other. See the example below.
- Mustang -cars
This tells the search engine to search for mustangs but to remove any results that have the word “car” in it. It can be wildly helpful when finding information about something without getting information about something else.
4. Use a colon to search specific sites
There may be an instance where you need to Google search for articles or content on a certain website. The syntax is very simple and we’ll show you below.
- Sidney Crosby site:
This will search for all content about famous hockey player Sidney Crosby, but only on NHL.com. All other search results will be removed. If you need to find specific content on a particular site, this is the shortcut you can use.
5. Find a page that links to another page
This Google search tip is a little obscure. Instead of searching for a specific page, you’re searching for a page that links to a specific page. Think about it this way. If you want to see who cited a New York Times article on their site, you would use this trick to find all the sites that link to it. The syntax is below.
That will return all pages that link to the New York Times official website. The URL on the right side can be practically anything. Be aware, though, that the more specific it is, the fewer results you’ll get. We know not a lot of people will likely use this Google search trick, but it could be very useful for some.
6. Use the asterisk wildcard
The asterisk wildcard is one of the most useful ones on the list. Here’s how it works. When you use an asterisk in a search term on Google search, it will leave a placeholder that may be automatically filled by the search engine later. This is a brilliant way to find song lyrics if you don’t know all the words. Let’s look at the syntax.
- “Come * right now * me”
To you or me, that may look like nonsense. However, Google search will search for that phrase knowing that the asterisks can be any word. More often than not, you’ll find they are lyrics to The Beatles song “Come Together” and that’s what the search will tell you.
7. Find sites that are similar to other sites
This is a unique one that could be used by practically everyone if they knew it existed. Let’s say you have a favorite website. It can be anything. However, that website is getting a little bit boring and you want to find other websites like it. You would use this trick. Below is the syntax.
If you search that above, you won’t find a link to Amazon. Instead, you’ll find links to online stores like Amazon. Sites like Barnes & Noble, Best Buy, and others that sell physical items online. It’s a powerful Google search tool that can help you find new sites to browse.
8. Use Google search to do math
As a college student, I can attest that I use this one rather frequently. Google search can actually do math for you. This is a rather complex one to describe because it can be used in so many ways. You can ask it basic questions or some more difficult ones. It is important to note that it won’t solve all math problems, but it will solve a good number of them. Here are a couple of examples of the syntax.
- 8 * 5 + 5
- Planck’s Consant
If you search the first one, it’ll return 45. It will also show a calculator that you can use to find answers to more questions. This is handy if you need to do some quick math but don’t want to do it in your head. If you search the second term, it will return the number value of Planck’s Constant. So it can do math, but it can also help you solve math problems by showing values for known mathematical terms.
9. Search for multiple words at once
Google search is flexible. It knows you may not find what you want by searching only a single word or phrase. Thus, it lets you search for multiples. By using this trick, you can search for one word or phrase along with a second word or phrase. This can help narrow down your search to help you find exactly what you’re looking for. Here is the syntax.
- “Best ways to prepare for a job interview” OR “How to prepare for a job interview”
By searching that, you will search both phrases. Remember the quotes tip above? It’s being used here as well. In this instance, these two exact phrases will be searched. It can be done by word too, like the example below.
- chocolate OR white chocolate
This will search for pages that have either chocolate or white chocolate!
10. Search a range of numbers
Searching for a range of numbers is another tip we don’t anticipate a lot of people using. The people that do use it, though, will probably use it quite a bit. People interested in money or statistics will find this tip particularly useful. Essentially, you use two dots and a number to let Google search know you’re looking for a specific range of numbers. Like the syntax below.
- What teams have won the Stanley Cup ..2004
In the first instance, the search will toss back the team that won the Stanley Cup in 2004. The two dots with only one number will tell the search that you don’t need anything before or after 2004. This can help narrow down searches to a specific number to improve search results. In the second, Google will search for the numbers 41, 42, and 43. It is obscure, but wildly useful if you happen to need to search for numbers like this.
11. Keep it simple
Now we’re getting into the general tips. Google search knows how to search for a lot of things. What this means is you don’t need to be too specific. If you need a pizza place nearby, use this to search.
- Pizza places nearby
Google search will grab your location and deliver a variety of results about pizza places that are near you.
12. Gradually add search terms
There will come a time when Google search doesn’t shovel out the results you expect. In this instance, keeping it simple may not be the best option. As Google itself suggests, the best method is to start with something simple then gradually get more complicated. See the example below.
- First try: job interviews
- Second try: prepare for job interviews
- Third try: how to prepare for a job interview
This will gradually refine the search to bring you fewer, more targeted terms. The reason you don’t go straight from the first try to the third try is because you may miss what you’re looking for by skipping the second step. Millions of websites phrase the same information in a number of different ways; using this technique lets you search as many of them as possible to find the best info.
13. Use words that websites would use
This is a very important one. When people use Google search to hunt the web, they generally search for things using the same language that they would use for speaking. Unfortunately, websites don’t say things the way people do; instead, they try to use language that sounds professional. Let’s look at some examples.
- “I have a flat tire” could be replaced by “repair a flat tire.”
- “My head hurts” could be replaced by “headache relief.”
The list goes on and on. When searching, try to use terminology you would find on a professional website. This will help you get more reliable results.
14. Use important words only
The way Google search works is to take what you search for and match it with keywords in online content. When you search for too many words, it may limit your results. That means it may actually take you longer to find what you’re looking for. Thus, it is apropos to use only the important words when searching for something. Let’s see an example.
- Don’t use: Where can I find a Chinese restaurant that delivers.
- Instead try: Chinese restaurants nearby.
- Or: Chinese restaurants near me.
Doing this can help Google find what you need without all the clutter. So remember, keep it simple and use important words only.
15. Google search has shortcuts
A number of commands can be entered to give you instantaneous results. Like the math example above, Google can immediately give you the information you need that is displayed right at the top of the search results. This can save time and effort so you don’t have to click a bunch of bothersome links. Here are a few examples of some commands you can enter into Google.
- Weather *zip code* – This will show you the weather in the given zip code. You can also use town and city names instead of area codes, but it may not be as accurate if there are multiple area codes in the city.
- What is *celebrity name* Bacon Number – This is a fun little one that will tell you how many connections any given celebrity has to famed actor Kevin Bacon. The popular joke, Six Degrees of Kevin Bacon, is that no actor is more than 6 connections away from Kevin Bacon. Mark Zuckerberg has a Bacon Number of 3.
- The math example posted above is another one.
- What is the definition of *word* or Define: *word* – This will display the definition of a word.
- Time *place* – This will display the time in whatever place you type in.
- You can check any stock by typing its ticker name into Google. If you search for GOOG, it will check the stock prices for Google.
These quick commands can take a web search that is usually multiple clicks and condense it into a single search. This is very helpful for information you need repeatedly.
16. Spelling doesn’t necessarily matter
Google search has gotten a lot smarter over the years. These days, you don’t even need to spell words correctly. As long as it’s pretty close, Google can usually figure out what it means. Here are some examples.
- If you search “Nver Gna Gve Yo Up” Google will automatically assume you mean to search for “Never Gonna Give You Up.” If by chance your misspelling was intentional, Google gives you the option to search for the misspelled term instead.
This trick is great if you happen to forget how to spell something or are not altogether sure how something is spelled. It can also be helpful when searching for obscure words. This applies to capitalization and grammar as well.
17. Use descriptive words
Pretty much everything can be described in multiple ways. Take our namesake, the “life hack.” The terminology “hack” refers to a computer programmer breaking security on a network or system. However, when used in conjunction with the word “life”, it alters the meaning to tips and tricks people can use to improve their lives. If you have trouble finding what you’re searching for, keep in mind that people may search or define what you need in a different way than you do.
- You may search “How to install drivers in Ubunut?”
- When you really mean “Troubleshoot driver problems Ubuntu.”
There really isn’t a good specific example for this one. If you search for something and you can’t find an answer, try asking the same question using different words and see if that helps the results.
18. Find a specific file
An often forgotten feature of Google search is the ability to search for a specific file or file type. This can be infinitely useful if you need a specific PDF or PowerPoint file that you previously viewed or need to use for another project. The syntax is quite simple.
- *Search term here* filetype:pdf
In the above example, you simply replace the search term with whatever you’re searching for. Then use the filetype command and enter the extension of any file type you can think of. This can mostly be useful for scholarly purposes, but business presentations and other assorted presentations can benefit from this kind of search as well.
19. Money and unit conversions
Google search can quickly and accurately convert both measurement units and currency value. There are a variety of uses for this, like checking to see the conversion rate between two currencies. If you happen to be a math student, you can use it to convert from feet to meters or from ounces to liters. Here’s how to do it.
- miles to km – This will convert miles to kilometers. You can put numbers in front to convert a certain number. Like “10 miles to km” will show you how many kilometers are in 10 miles.
- USD to British Pound Sterling – This will convert a US dollar to British pounds. Like the measurements above, you can add numbers to find exact conversions for a certain amount of money.
It’s true that this tip is geared toward math students and international business people. However, you’d be surprised how often these tips are used by regular people.
20. Track your packages
Our last trick is to use Google search to find out where your packages are. You can enter any UPS, USPS, or Fedex tracking number directly into the Google search bar, and it’ll show you the tracking information about your package. This is much easier than going to the specific sites, waiting for them to load, then searching for your packages there. No examples are really needed for this one. Just type your tracking number in and see where your package is.
Google Search wrap-up
Google search is a very powerful search tool. Using the tips outlined above, you can find anything and everything you could ever need on the World Wide Web. Whether it’s avoiding Wikipedia for a school essay project, finding the latest stock prices, or even finding song lyrics, there is a way to make Google search work for you.
Published by Rappler.com – July 21st, 2016
PRESS RELEASE: Here are tips to effectively manage your Facebook groups
This is a press release from Facebook.
MANILA, Philippines – Facebook groups have become the norm in creating and sustaining communities where people of the same interests and circumstances connect. We all create or join Facebook groups for different reasons. Some of us seek to compartmentalize our contacts to make collaboration easier, while others desire to be part of an online community that share our passion. However, group membership and administration can be challenging when we are constantly faced with seemingly endless flow of information and notifications.
Below are tips to effectively manage your Facebook groups:
This is arguably the first and most important step when creating new groups. There are three options to choose from: public, closed, and secret. Setting the group to public allows anyone to search for the group and see posts from members. Closed groups can be searched, but only members can see group posts. Lastly, secret groups cannot be searched and only members can see each other’s posts.
Group membership can also be customized. You may choose to allow any member to add people to the group or solely rely on group administrators to approve membership requests.
Take note that these privacy settings can be adjusted anytime. Simply click on the gear icon located at the top right of each group icon to adjust settings according to your preference.
Sometimes, it can be quite overwhelming to receive multiple notifications from the different groups you are part of. Let’s be honest, not everything you are notified on is important to you.
Go through your groups and customize the notifications you receive. Simply click the gear icon and select “edit notifications”. By default, you are notified on all posts, but this option allows you to choose to be notified on highlights, friend’s posts, or none at all.
As group admin, you can also control how you receive notifications from selected posts. Simply click on the icon next each post and click “turn off notifications for this post”. Regular members can subscribe to get notifications from specific posts by clicking “turn on notifications for this post” from the icon as well.
Get quicker access to frequently used groups.
You may have noticed that the top groups under your “groups” sidebar have the most members. However, number of members does not necessarily reflect higher degree of importance, especially when you have smaller groups primarily used for project coordination, or communication within a select group of people – like your family or barkada.
Luckily, you can use the “favorites” sidebar tool to swiftly access frequently used smaller groups. By expanding the “groups” option and clicking on “add to favorites,” you can now easily spot a group through the sidebar. This can come in handy especially when you need to urgently post in groups that you run.
Pin important posts.
Ever created a poll in a group that didn’t quite generate the number of responses you expected? Or perhaps posted a reminder that wasn’t seen by everyone? That’s probably caused by the numerous posts also “competing” for attention in the group. As admin, you can pin posts so they appear on top of the group feed. Simply click the icon next to the post and select “pin post”. While this is convenient, you may only pin one post at a time. Treat this as an exercise on prioritizing posting.
As our priorities shift over time, certain groups become inactive. Groups that have lost relevance to you may suddenly pop out with notifications that no longer stay true to the group’s established function. There is no cap to the number of groups you can be a member in, but a little housekeeping goes a long way especially when you have a lot of active groups.
Through these tips, Facebook hopes that you more effectively utilize your groups to increase productivity and create more dynamic communication environments.–PNGS Blog
Sourced Rappler | March 29th 2015
“Safety must start from homes” .
MANILA, Philippines – Is the Philippines ready for a big earthquake?
With the country surrounded by various active faults and trenches, earthquakes – whether weak or strong – are expected to occur. (READ: Strongest earthquakes in the Philippines)
In fact, a 2004 study conducted by Philippine Institute of Volcanology and Seismology (Phivolcs), the Metropolitan Manila Earthquake Impact Reduction Study (MMEIRS) found out that a magnitude 7.2 earthquake could destroy 40% of the buildings and could kill about 30,000 – 40,000 people in Metro Manila – the country’s business hub and where government agencies are located.
While schools and offices in different parts of the country conduct earthquake drills regularly, these are focused on what the public and the government should do during and after an earthquake. (WATCH: LIVE: #OplanPagyanig: National Earthquake Drill)
But what are the ways to prepare for it?
On Thursday, March 26, MovePH, Rappler’s civic engagement arm, held a #ZeroCasualty conversation on Facebook to discuss earthquake preparedness and safety with guests from Phivolcs and Red Cross.
In a country prone to geological hazards, Phivolcs stressed the importance of preparedness, which should start within the family.
“Safety must start from homes. A family should discuss and have a plan as to what they should do in case of an earthquake,” the agency said.
Here are some ways on how families can be prepared for the “big one.”
- Know the earthquake hazards in the area
- Be conscious of the structural integrity of the house
- Set up furniture and appliances in a way that they will not topple when there is a strong ground shaking
- Prepare emergency bag/kit for each member of the family
Below is a Phivolcs infographic on what to do before, during and after an earthquake strikes
While earthquakes in general, cannot really be predicted, the risks it poses can be reduced by avoidance through proper planning, according to Phivolcs.
Sourced MoneyMax.ph | January 13th 2015
There’s this indescribable mix of excitement and anxiety for first-time drivers and first-time car owners. But to take things on a legal point, you definitely need a driver’s license before you bring your wheels on the major roads. Spare yourself from spending your first thousand of pesos to the MMDA for driving without license.
The Land Transportation Office (LTO), under the Department of Transportation and Communications (DOTC), is responsible in drivers licensing and motor vehicle registrations. According to the Official Gazette (gov.ph), a driver’s license is “an official document authorizing an individual to drive a motorized vehicle in the Philippines.
read more: List of LTO Branches
LTO has three classifications of drivers licensing: student permit, non-professional driver’s license, and professional driver’s license. Before going to any branch, you have to decide what kind of license you will get. As the name implies, a Professional Driver’s License entitles you to drive a vehicle for a living. Apply for Professional license if you will drive any public utility vehicles (PUVs) such as jeepneys, tricycles, taxi, etc. On the other hand, a Non-Professional Driver’s License allows you to drive private vehicles. In both licenses, a prerequisite is a valid student’s permit, which is “an official document authorizing a person to operate a motorized vehicle in the presence of a duly licensed driver.”
Eligibility for Drivers Licensing:
- You must be at least seventeen (17) years old.
- You must be physically and mentally fit to operate a motor vehicle.
- You must not be a drug user or alcoholic.
- You must be able to read and write in Filipino or English.
- You must be clean, neat and presentable.
For Non-Pro driver’s license, take note of these steps:
List of Driver’s License Requirements
- Duly accomplished Application form for Driver’s License (ADL).
- Valid Student Permit (at least 1 month old)
- Medical Certificate with Official Receipt (from LTO accredited or Government physician)
- Taxpayer’s Identification Number (TIN) if employed
- Passing score in the written and practical examinations
1. Get a Student Permit
Before applying, you should accomplish a Student Permit also from LTO. When testing your driving skills on the road on your first few tries, you’ll need to present this permit to authorities who might issue you a ticket. A student permit will cost you around PHP 300 for 2-3 hours of processing. The one-month-old student permit is your time to really practice your driving.
2. Medical Examination
Before filing your application for a driver’s license on the same day, you will be required to get a medical examination which will cost around PHP500. Make sure that you only deal with LTO-accredited clinics, usually near the LTO branch.
3. Road Signs and Major Traffic Rules
As early as the thought of driving pops in your head, be wary of the road signs. In your exam, you will be asked for around 50 questions of road signs. If you pass the exam, you will get in to the next step.
4. Practice driving
When you apply for any of the two driver’s license, your skills will be test through a practical exam facilitated by an LTO officer and gauge if you’re capable of driving. It is notable though that a lot of people brags about getting a license without undergoing this process. But in reality, these people are the ones who get caught in vehicular mishaps because of foolish risks. No one is worthy to be on the road without any driving knowledge.
Here’s a run-through of your expense for that day:
|Medical Examination||Php 100.00|
|Application Fee + Computer Fee||Php 167.63|
|Driving Test Fee||Php 400.00|
|License Fee + Computer Fee||Php 417.63|
|TOTAL COST||Php 1,085.26|
Published by iMoney Philippines | Rouselle Isla – August 19th, 2016
One of the great benefits of being a member of Pag-IBIG Fund is the housing loan. If you are not over 65 years old and have remitted 24 monthly contributions to Pag-IBIG Fund, you may avail of this housing loan. You should not have any outstanding housing or multi-purpose loans with Pag-IBIG, nor should you have a Pag-IBIG housing loan that had been cancelled, bought back, or foreclosed.
Even minimum wage earners can have the opportunity to buy their own home through the Affordable Housing Program. With the End-User Financing Program, members can borrow up to ₱6 million. The maximum repayment period for a Pag-IBIG Fund housing loan is 30 years. Know how to apply for one in just five steps.
1) Get The Relevant Forms
You can get the housing loan application form and the checklist of requirements by visiting your nearest Pag-IBIG Fund office, or by going online and visiting www.pagibigfund.gov.ph. Click on the link that says “Forms” and you can download them for free.
You need to accomplish a medical questionnaire and undergo a full medical examination if you are over 60 years old and an OFW, or if you are 60 years old and borrowing over ₱2 million up to ₱6 million.
If you are curious about rates, you can easily do a quick check by using our online calculator. This will give you an idea on the current BPI housing loan interest rate in comparison to other banks.
2) Submit Your Pag-IBIG Fund Housing Loan Application
After filling out the necessary forms and completing the requirements, you can submit your application. There is a non-refundable partial processing fee of ₱1,000 that you will need to pay upon submission of application.
If the property is located in NCR, you can head to the Pag-IBIG Fund offices in Shaw Boulevard, Kamias, or Imus. If it’s a provincial property, you can file the application at the nearest Pag-IBIG Fund office to the said property.
If you prefer to do it online, go to www.pagibigfund.gov.ph and click on E-Services. Note that it takes about 20 working days to process your housing loan. This includes property valuation and credit investigation already.
3) Receive Your Notice of Approval
If your housing loan application is approved, you will receive your Notice of Approval (NOA) or Letter of Guarantee (LOG). You can now sign your loan documents.
If your loan application is disapproved, it could be because of several reasons. When evaluating your loan application, Pag-IBIG Fund will also check your records, employment status, and your capacity to pay. They will evaluate the property and its appraised value. If you fail to meet any of these requirements, your loan application will get disapproved.
4) Complete Your NOA Requirements
You have 90 days to accomplish your NOA requirements. Note that there will be different requirements depending on the property you want to purchase. We suggest that you do it right away because some of the requirements take days, or even weeks to complete. Don’t do it at the last minute. The sooner you can submit complete and correct documents, the sooner your check will be released to you.
5) Receive Your Loan Proceeds
You can now collect your loan proceeds from Pag-IBIG Fund. Just present two valid IDs. You should also bring 12 postdated checks with you if payment for the loan is not through salary deduction. Once you have the check with you, just give it to the seller of the property as your payment.
If you’re looking for more information, you can check our guide on everything you need to know in getting a pag ibig housing loan.